The ICBC Kidswant Baby Credit Card is a co-branded product jointly issued by ICBC and Kidswant. Integrating benefits and offers for ICBC credit card and membership benefits of Kidswant, it provides economical, trustworthy and considerable services for customers with a need for baby and maternal products.

★ Vertical card design
The Baby card adopts vertical design, which is warm, lovely and full of baby elements.

Standard (Gold Card)

MasterCard + UnionPay

(Platinum Card)

MasterCard + UnionPay

ICBC Kidswant Baby Credit Card is divided into platinum card and gold card, including single UnionPay logo single-currency card (magnetic stripe + PBOC3.0 non-contact chip card) and single MasterCard logo multi-currency card (magnetic stripe + EMV chip card). The UnionPay RMB card can be used with contact or non-contact means and supports electronic cash application. The MasterCard multi-currency card is mainly used for overseas payment in 10 foreign currencies, namely, USD, Euro, HKD, GBP, GPY, SGD, CAD, AUD, CHF and NZD. Different means of payment can meet your diverse needs.

★ “1+1” Card application
You may simultaneously apply for single MasterCard logo and single UnionPay logo ICBC Kidswant Card, which may be related and used in different cases to make payment easily at home and abroad.

★ ICBC QR code
You can relate the ICBC Kidswant Baby Credit Card being used normally with WeChat, Alipay, or ICBC QR code payment and make payment by scanning codes, which can greatly improve the efficiency and convenience of payment.

★ Benefits and offers
Centering on the life of young mothers, the benefits and offers for Baby card covers travel, food/beverage, medical care and children product, etc.

I. List of Benefits and Offers for Baby Card

1. RMB1 for airport parking
By spending only RMB1 with platinum and diamond credit card (UnionPay) in the parking area at designated airports or exclusive parking areas for China UnionPay card holders, you can enjoy 2-hour or 48-hour parking services.
2. Offers at Arrail
The card holders may enjoy a discount of up to 50% at Arrail
3. Visa application offer for ICBC MasterCard credit card holders
The following offers are available when the visa application is handled through Baicheng.com and payment is made with the MasterCard:
Offer 1: Exemption of service fee for applying for 183 types of visa of 18 countries around the world.
Offer 2: RMB99 (minimum) for visa for Japan, Singapore, Thailand, and Philippines; RMB499 (minimum) for visa for France, Italy, Spain and UK; RMB599 (minimum) for visa for the United States and Canada; RMB699 (minimum) for visa for Australia.
4. 5% discount on designated products of Kidswant
The holder of ICBC Kidswant Baby Credit Card may enjoy 5% discount when purchasing designated products at the original price (excluding milk powder and diapers) at Kidswant stores with the ICBC Kidswant Baby Credit Card. (For more details, please inquire Kidswant stores)
5. Offer for Kidswant amusement park card
The holder of ICBC Kidswant Baby Credit Card may purchase RMB2,188 annual recreation cards at the price of RMB1,288 and RMB500 or 12-time amusement park cards at the price of RMB400 at Kidswant stores with the ICBC Kidswant Baby Credit Card. Each customer may purchase the annual recreation card once a year. There is no limitation on the time-based card. (For more details, please inquire Kidswant stores)

II. Financial Benefits
1. Account security insurance
The account security insurance is an insurance service provided for eligible credit card holders to ensure their card use safety. Card holders are entitled to insurance for the next month for free if they make payments within the month. The insured amount for platinum card holders is RMB50,000, and the minimum and maximum insured amounts for gold card holders are RMB10,000 and RMB30,000, respectively. During the insurance period, if your ICBC credit cards are lost, stolen, copied, or you are coerced to hand your ICBC credit cards to someone else to use, or disclose the bank card number and password to others, and as a result of which, your ICBC credit card encounters loss of funds due to stealing or transfer by others through bank counter, ATM, POS terminal, or online transaction, for transactions made 72 hours before the loss reporting, the insurance company will provide you with insurance compensation.
2. Zero fees for currency exchange
Zero currency conversion fee is charged for overseas consumption in 10 foreign currencies, namely, USD, Euro, HKD, GBP, GPY, SGD, CAD, AUD, CHF and NZD. The consumption through MasterCard network in countries or regions using the ten foreign currencies is directly charged to the account in corresponding currencies without currency conversion, and the holder needs not pay exchange fees. For the consumption in countries or regions not using the 10 foreign currencies above, service charges for currency conversion will be exempted automatically.
3. Tolerant of delay and shortage
Tolerant of delay: For cards opened on or later than November 1, 2018, the grace period for repayment is 3 days, which means that the card holders will have a 3-day grace period for repayment, and they are deemed to make repayment in due time if they make it within 3 days after the payment due date.
Tolerant of shortage: For cards opened on or later than November 1, 2018, the grace shortage for due repayment in the current period is RMB10. On the due repayment after grace period date (due date + grace period), when the unpaid amount of all due repayment amount for the previous period is less than or equal to RMB10, the card holder is deemed to have paid all due repayment amount, and the outstanding amount will be included in the next bill.
Interest-accrual rules: For cards opened on and later than November 1, 2018, the "special interest accrual" method set forth in Article 3 of the Peony Credit Card Contract (Personal Card) shall apply. If the due repayment in the current period has not been fully repaid before the due repayment date (included), the interests shall be paid for the overdraft transactions (including the repaid portion) from the book-entry date to the repayment date.
4. Other financial services
Revolving credit and long interest-free repayment period
Installment payment via telephone banking, POS terminal, counter or internet banking
24-hour internet and telephone banking services
Electronic reconciliation service
Refund scheme for bonus points